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9/27/2012 12:00PM

Big Firms Overhaul Health Coverage

Wendy Bounds and Anna Mathews discuss how some employers are planning a radical change in the way they provide health benefits to their workers, and Erica Orden looks at how Hollywood is turing to the Bible for movie ideas. Photo: Getty Images.

This transcript has been automatically generated and may not be 100% accurate.

... I ... today on the beest lunch break earnings recap on credit cards in getting trickier but we help you navigate plus ... was late getting religion they're rolling out a bunch of new movies based on ... the Bible ... and we had an interview with the filmmaker behind a groundbreaking new documentary ... on the the Beatles all that is coming up on the show I'm Wendy downs welcome thanks for joining me ... starting with news on the health care fight to a company's they're breaking ground with a new model for employee health care they're allowing workers more choice ... I actually see them more money when the top ... right now Ana Mathews she is in Los Angeles and she's been reporting on this ... I've to big companies see years and Darden Restaurants which is that the chain behind Red Lobster ... they've really serve overhauled how their employees are going ... to choose their health care while the snow is in simple terms the model ... well they're going to let employees she is on an ... online marketplace that Uncle exchange ... different choices of plants from different insurance carriers including UnitedHealthcare Cigna and others ... in the play will get to the tothe money essentially ... the sum of money that they can ... decide ... how to use it so they can they can take that money and buy very expensive plan and the book the difference between ... that all honesty and that cost of the planned ... on taking cheesy cheaper land ... in the airline will cover the full cost that since the the shopping experience a set amount of money in your pocket when you ... are ... right now and believe me often will choose between several plants from one insurance carrier ... I you know the company is is linked up with ... but in this case with this exchange would we be choosing between Baltimore multiple insurance providers say there might be ... on offering from United Ameican offering from and at no one from sin and we would choose between those ... in the season is unpleasant using yes they're going to have five different health insurers including United and Cigna and hocus ... Corporation among them ... notice the difference in the way it's done today is this idea shopping with a set amount of money which is that ... most people experience now ... now lot of folks here the word exchange may think this may have something to do with the new national health care ... overhaul how is it ... connected or how is it not connected to that ... well the particular that these companies are using is not connected to that because they are still going to be group plans meaning in slowly or for plan rather than the employee by any Deb's your plan ... the letters in the future in twenty fourteen when health at ... a tasting with full fat ... some companies may move to a situation where pleased with the actually choosing individual plans they are the insurer party ... perhaps the contribution from the player to help out ... what about inflation was some of this to mean will will the employees began have to pay ... more as time goes by in these in these plans get more expensive or the employers ... then to account for that and bump up that lump sum ... every year ... that is the key question and it's a great question and ... its leaders both Darren and Sears been very clear that this is not an average cost to employees ... people like is because they think it had to choice for employees ... the latter the concern this time so that is always that ... if the cost of healthcare ... yes a ten percent a year is that contribution Kibaki cases it may be only going to go up three percent year needing a greater and greater burden on you or me ... or see how this plays out when it hits over two more companies to try now ... thank the much for being with us on ... the days in today's Wall Street Journal on the front page ... sticking to a travel earning free travel with her warrants from the credit card is getting a bit trickier but we have Kelli Grant SmartMoney ... to help us navigate through this ... I see so many companies advertising these travel cards none of this to be in a handful but ... like all I see now what's behind the county really can't escape from it and the banks certainly really like these travel cards they knew that consumers like the idea of earning free travel they knew they were pretty wary that we can easily get those free seats ... and they've just with a link to consumers that tend to get the travel cards are big spenders and they don't usually carry a balance so that all around for them the one thing I always note is that when I do have a couple these travel part is that top I pay an annual fee at it ... you know I'm not in significant annual fee ... of and sometimes though the rates are higher ... that is true when a lot of counts is the can expect in this case you can pay the annual fee ... and your house and higher rates if you do carry a balance of the not a good fit for everybody but ... be ... on the upside of that of course is that you're getting usually some pretty good benefits that go along with the card at ... including this free trip ticket ... let's talk about some of the new promotions that are out there in the cards that people are seen in some of the ones you think offer are offering better deals were seeing a lot of the differentiation us you can get of course the card that works directly with your airlines programmer favored hotels program ... we're seeing ones where it's the promise of you can read for any flight anytime a new base to hear your redeeming it through the credit card in July the shadow blackout no blackout dates is Alec Baldwin said I'm ... and I think Nike's the when you react to it read this commercials rate was at from ... aam ... and and and to serve a third category that mixes the two we are you can redeemed through the critic or program you can also swap points directly into your airlines program so ... there's a lot of variation nearing the end it comes down to how much you paid good tend to pay for travel and where those miles or points that's that's what some of the wrist because I know all that cover the companies on the issues are fighting to secure these partnerships ... but what happens like you know if you've won Carla fun cars and houses the Aussie captain to eventually lose your viewpoints on the this is surely leisure points but it could be a little less valuable for you that the advantage of these point swapping cards that if you're somebody who likes to you have a favorite airline but ... you want the flexibility to meet the CenterPoint somewhere else that's where the deal happens to be ... there that works really well but if you want to swap the ministry United you have to have a cheese card if you want a spot them to JetBlue you how to have an American Express credit have these exclusive partnerships ... and we've seen in the past couple of months that it chases actually gained a couple partnerships from American Express and American Express is secured a few new ones so what you might find if you were saving for ... Southwest ticket on your American Express card ... that suddenly no Southwest is not winner express their with Chase so you gotta find something else to do with this point is this better in general to sort of like picking airline just stick with that airline to have that card is that a lot of you think and having these cards were you can sort of go to different platforms but the point is better and better way to go I think it you can it generally say I always fly this airline than the experts are telling us that it's great to get the Carolyn's credit card you're getting a lot of perks like free checked bags other things that are pretty valuable ... if it is for consumer may be only fly once or twice a year you're saving up for tripping are really looking for the best deal ... a lot of times these are the general points current relating to credit cards ... and that being better value right Kelli Grant more on SmartMoney dot com thanks for being with us this pic as airlines airlines are ... still in doubt eye pads and other tablets to travelers ... stranded the fat that in flight entertainment you can hear more about that ... Simon Constable on digits at the top of the hour and when we come back with the addition lunch break while market Peabody possibly on earth about the Beatles wealth ... and new filmmaker he has done at the weekend interview with him coming out stick around ... in two ... thousand twelve ... the Wall Street Journal special go for the ... first president ... to end ... up with the ... WS J live ... Ch ... when he said it's worse he ... loved the Beatles ever since I was a small boy growing up on the map ... and sixteen ... so it's no surprise ... that over the years one and then someone ... told me that the first story about themselves in the hopes ... that was all the years ... set up to fill its many of those stories like fun ... to share them with people who loved the Beatles as much as I did ... whatever measure could anyone possibly on her up about the Beatles one novice filmmaker ... is done just that his under a lot of ground breaking material in the new doctor a miracle Beetle stories were talking right now the sets were skate ... he's Joinus here on Lunch Break bicep area ... a real pain to join us they give a great interview to Himart Myers and be at conference about the in the Friday Journal tomorrow but ... I was to get the sense from you know you're a songwriter yourself what he knew the idea to go out and try make a documentary ... about a topic it's just so many people ... have Ardi ... written about and and film and in films about ... well with great passion about beagles are the ones that the the the the the car I was in use all the late sixties ... and become a songwriter myself and ... I just love of all applicable or sound of this I still love him to this day ... so I've I've tried to actually get closer ... to them why ... more and more about the fact that ... the before and knew what with the cavern Club Liverpool ... is for my own problems ... they ... own ... I've got all these people that these great stories of the gear to know the real video camera before I knew about shooting ... certain things in John fourteen ... anything lor ... when these Baines Johnson art Garfunkel and it was crazy but it was ... incredibly enjoyable I just a ... great passion and its ... enduring a documentary thrive on all the things that drove fast paced ethic that you know you interviewed all these people about the memories ... but it only lasted a minute half how hard was it to cut back ... I ... the details ... always very very far but you know I wheeze as every interview you to give me ten minutes of the time the before and it would be a chopper two hours ... and just being a handheld camera ... I've never been a boon for but they were so happy to be talking about the Beatles and I was happy that he was ... so all I decided to cut each one into about a minute that passes the article as many stories and ... the people to enjoy that's weather sticks to two stories ... in the stores ... and one ... she spoke to Graham Nash of profit of inaction we have that we have a clip from that part of the now let's take a listen ... and the in the Sydney Morning authorities would resume to the US ... it was the copy and post it would be releasing over the Hutu to come and be on ... the mind of which must endure the nominal Christians and some balloons he should be a fun time you wanna come so I did actually could ... be that ... went down to IMM to the big room ... and ... witnessed ... all he does love the new televised ... I think it was the very first time live broadcasts that it has taken place ... any grave recollection from him as a mother and she actually spoke to art Garfunkel ... he recalled the night that healing and discuss their app perspective called Ellis about that ... yes um you know was that that the cycle that you're all my fault ... and though you know John Lennon and Vanguard on corporate bonds how can I get back to my Paul McCartney that's ... a pretty little piece of history and ... to me that he knows that this was really in the de tails of these things happen ... fascinating to be on our Garfunkel who overlooking good to go ... with Jiangxi ... and dove in securities great stories ... Paul McCartney did he speak to him for that for the documentary ... I was on the treadmill at my gym and I looked right over ... to my left and there's Paul McCartney on the treadmill ... and get me a quick look as if to say OK and the Europeans ... once I ... guess the question might turn into ... a toll about the stories that documentary ... and I said you know I just interviewed Mormon snap ... your first engineer ... he said oh my God you interviewed moments near the close ... he he he I did today but it gets the baby but actually happening ... we stayed in touch ... I discovered the middle of all telling me how much he enjoyed ... watching the stories ... that we will visit to the match at five I think kamikaze pilots that everybody thinks I think your heels and I know you hear that ... I you know that he doesn't love people asking questions though that very very good by getting props for that I was the key props for how you've got people election in the door I mean essentially is the first time filmmaker you would call ppl asking for these interviews they would say I'll call me next time you're in town ... but then what would you do ... I would say aam and all that it's over the until tomorrow when coincidence that I got out of the plane immediately because when you get the interview you really have to get its ... you know people may forget you pass them something awesome I come up ... so what are our ... local Re on the phone instead of what looks like the ... next time you're down six months the year from now whenever ... I said you know all the havoc the printer tomorrow ... and Dom I literally was in error and knocking on the store ... among those who would ... just like everybody else and it was that enjoyable like to spend time with ... my great heroes like ... going up just a neighbor to the Moody Blues D Jones monkeys ... and it was ... amazing the Beatles with the thread that ran through ... second I have written songs for Celine Dion how brain Tina Turner ... I think that yet another huge feather in your happy in this media about the feel good musical kept their ... customers if they so much for being with us the name of a documentary his heels stories us that for fans also met ... wrote in a mean you can read more about that the Friday Journal tomorrow By Mark Myers thanks me with this that ... thank you ... we come back Hollywood they are getting religion rolling out films based on the Bible how the public going to react to talk about it in thirty seconds stick around ... you ... with ... the Wall Street Journal special for the ... first president ... to end ... up with the ... WS J live ... I ... the ... I ... I ... the ticket agent at the scat of the Christ came out in two thousand for that had no Kinston behind it but Hollywood is now ... Gilmore religion they are all signed on to the same book specifically what a book and that is the Bible for some of the new film's Erica Orden she's with the right here on Lunch Break she's been reporting on this ... fascinating because for a while in Hollywood ... he did talk about religious stories in the Bible was sort of like a no no they can make money off it ... that's right I babysit the phones were very popular and the ECB and the late sixties but ... they're they're expensive for the past two years to produce though once they started ... losing money on them they just ... these are known yet what is changeable giddiness on the films are coming on to say in what has changed Erica and that Corporal Zeit guys ... out there Hollywood intervention with the general population ... is made them think we ... can make money ... well I think it's less about what's changing the zeitgeist and more that the studios have realized that they're couple things at work here ... one is that the ... source materials in the public domain so they don't have to pee for ... licensing and down the ... hazards of things like that they do in a twenty make movies based on comic ... book character ... another is that ... these are stories that are known world wide the middle to introduce this ... material or are these characters are the subject matter to audiences people are turning very familiar with it in there with the characters are defined in in in the bottle ice in this public in May he can go when you get picky about it he'll have to option in everything around as finds that the sum of the films coming out walk us through which the character from the Bible were in the scene on the big screen sure well Paramount highs and now lot coming out in ... twenty fourteen ... it's a huge heart and ... doesn't know that there has not ... yet found ... it's a huge hundred twenty five million dollar epic ... starring Russell Crowe ... and zero s on an arc he added it to build three big arc I would imagine are somewhat the most expensive they didn't and that's about a hundred and fifty feet long ... and they built their tactics and at least retain your ... allows the sums up on the steps and that that was a step towards the banging on that hard actually that's when no other relatives on their to Moses and movies in developments one is that Warner Brothers unit that box ... aam and there's also a semi as the movie coming called the retention scheme accounts in ... the Sun King O ... Mary mother of Christ Mary mother of crisis another founded on and that will be distributed by Lions Gate ... aam and that is being billed as a prequel to passion gets what are some of the risks with this and and I would imagine you you have a limited source material with the Bible write in detail exactly give you a huge narrative arc they're going to get through the allies that ... they have to take some creative license can you ... do this ... then mean you're all your core audience the few ... staff BDO and a lot of the studio's recognize that and undertakings and stocks and are bringing in non biblical scholars or test screening for religious audiences to try to track yuan to ... protect you know ... a backlash or any controversy for some of the ... ways to interpret ... the core story ... they think of the core of your will be a will and the people who ... died and you know it did identify themselves as religious to go to church regulated they think they can get a ... broader audience the way it away pass to the crisis and to do ... these are really ... don't is aimed at mainstream four quadrant as they say in in Hollywood an audience and so ... they do want to attract and religious audiences that they're at their aim to that pre ... broad swath ... write thank so much more of that and the Friday Journal section smartly a few days thanks for sharing that with us on Lunch Break ... were done with the addition lunch thankfully while he was in video from our world Stream feedback to Des beest dot com slashed world stream looking right now ... this Itron ... I unveil a new partner version of its ... ups line at the Paris Motor show you can see more on that on my bet is to dot com again ... on our world Stream ... be back to the dentist a lunch break today ... I'm Wendy downs now see everybody back here ... and in tomorrow ... and Thursday ...